PL Portfolio Optimization Conservative Fund Class A (POASZ)
Expense Ratio: 1.23%
Expected Lifetime Fees: $35,765.19
The PL Portfolio Optimization Conservative Fund Class A fund (POASZ) is a Conservative Allocation fund started on 12/31/2003 and has $402.60 million in assets under management. The current manager has been running PL Portfolio Optimization Conservative Fund Class A since 1/23/2004. The fund is rated by Morningstar. In addition to trading fees and broker commissions, this fund has 12b-1 fees of 0.25%
iShares S&P Conservative Allocation (AOK)
Expense Ratio: 0.11%
Expected Lifetime Fees: $3,595.26
The iShares S&P Conservative Allocation (AOK) is an Exchange Traded Fund. It is a "basket" of securities that index the Conservative Allocation investment strategy and is an alternative to a Conservative Allocation mutual fund. Fees are very low compared to a comparable mutual fund like PL Portfolio Optimization Conservative Fund Class A because computers automatically manage the stocks.
|Mutual Fund Name||Ticker Symbol||Turnover||Assets (M)||Annual Fees|
|AllianceBern Cnsrv Wlth Strat A||ABPAX||4.0%||503||1.04%|
|AllianceBern Cnsrv Wlth Strat Adv||ABPYX||4.0%||503||0.74%|
|AllianceBern Tx Mgd Bal Wlth St Adv||AGIYX||41.0%||171||0.87%|
|American Century Investments Strategic Inflation Opportunities Fund Institutional Class||ASINX||52.0%||112||0.99%|
|American Century Investments Strategic Inflation Opportunities Fund Investor Class||ASIOX||52.0%||112||1.19%|
|American Century One Choice Cnsrv Inv||AOCIX||10.0%||546||0.75%|
|American Century One Choice Vry CnsrvInv||AONIX||17.0%||283||0.64%|
|American Century Strat Allc Cnsrv Instl||ACCIX||78.0%||584||0.81%|
|American Century Strat Allc Cnsrv Inv||TWSCX||78.0%||584||1.01%|
|BlackRock Multi-Asset Income Inst||BIICX||11.0%||359||0.87%|
|BlackRock Multi-Asset Income Investor A||BAISZ||11.0%||359||1.12%|
|Columbia Income Builder A||RBBAX||31.0%||819||1.09%|
|Columbia Income Builder Fund Class R4||CIPRX||31.0%||819||1.03%|
|Columbia LifeGoal Income & Growth A||NLGAX||55.0%||128||1.18%|
|Columbia LifeGoal Income & Growth Z||NIPAX||55.0%||128||0.93%|
|Columbia Port Builder Conservative A||ABDAX||88.0%||314||1.06%|
|Columbia Port Builder Mod Cnsrv A||AUCAX||88.0%||543||1.08%|
|Columbia Portfolio Builder Conservative Fund Class R4||CPVRX||88.0%||314||0.98%|
|Columbia Portfolio Builder Moderate Conservative Fund Class R4||CBTRX||88.0%||543||1.00%|
|Delaware Foundation Cnsrv Allc A||DFI1Z||211.0%||142||1.13%|
|Delaware Foundation Cnsrv Allc I||DFIIX||211.0%||142||0.88%|
|Fairholme Focused Income||FOCIX||91.7%||280||1.01%|
|Federated Capital Income A||CAPAX||31.0%||386||0.90%|
|Federated Capital Income F||CAPCZ||31.0%||386||0.90%|
|Federated Capital Income F||CAPFX||31.0%||386||0.90%|
|Federated Muni and Stock Advantage A||FMUAX||34.0%||451||1.00%|
|Fidelity Advisor Asset Manager 30% A||FTSSZ||21.0%||349||0.91%|
|Fidelity Advisor Asset Manager 30% I||FTINX||21.0%||349||0.64%|
|Fidelity Advisor Asset Manager 40% A||FFNSZ||20.0%||309||0.91%|
|Fidelity Advisor Strategic Real Return A||FSRAX||35.0%||1,300||1.04%|
|Fidelity Advisor Strategic Real Return I||FSIRX||35.0%||1,300||0.85%|
|Fidelity Advisor Strategic Real Return T||FSRTX||35.0%||1,300||1.05%|
|Fidelity Asset Manager 20%||FASIX||19.0%||4,400||0.56%|
|Fidelity Asset Manager 30%||FTANX||21.0%||349||0.62%|
|Fidelity Asset Manager 40%||FFANX||20.0%||309||0.65%|
|Fidelity Strategic Real Return||FSRRX||35.0%||1,300||0.76%|
|Fifth Third Strategic Inc A||FFSAX||42.0%||258||0.99%|
|Fifth Third Strategic Inc Instl||MXIIX||42.0%||258||0.74%|
|Franklin Income A||FKI1Z||35.8%||61,800||0.63%|
|Franklin Income A||FKINX||35.8%||61,800||0.63%|
|Franklin Income Adv||FRIAX||35.8%||61,800||0.48%|
|Franklin Income B1||FICBX||35.8%||61,800||1.13%|
|Franklin Income R||FISRX||35.8%||61,800||0.98%|
|Franklin Templeton Cnsrv Allocation A||FTCCZ||18.7%||1,400||1.10%|
|Franklin Templeton Cnsrv Allocation A||FTCIX||18.7%||1,400||1.10%|
|Franklin Templeton Cnsrv Allocation Adv||FTCZX||18.7%||1,400||0.85%|
|Goldman Sachs Balanced A||GSBFX||357.0%||121||1.05%|
|Goldman Sachs Balanced Instl||GSBIX||357.0%||121||0.65%|
|Goldman Sachs Balanced Strat Instl||GIPIX||38.0%||576||0.86%|
|Hartford Balanced Income A||HBLSZ||29.0%||1,400||0.89%|
|Hartford Balanced Income Fund Class I||HBLIX||29.0%||1,400||0.64%|
|Hartford Balanced Income Fund Class R4||HBLSX||29.0%||1,400||0.84%|
|Hartford Conservative Allocation A||HCVAX||41.0%||272||1.21%|
|Hartford Conservative Allocation I||HCVIX||41.0%||272||0.93%|
|Hussman Strategic Total Return||HSTRX||254.0%||2,600||0.72%|
|Invesco Conservative Allocation A||CAAMX||27.0%||314||1.17%|
|Invesco Conservative Allocation I||CMAIX||27.0%||314||0.85%|
|James Balanced: Golden Rainbow Fund Institutional Class||GLRIX||36.0%||1,500||0.88%|
|James Balanced: Golden Rainbow R||GLRBX||36.0%||1,500||1.13%|
|Janus Conservative Allocation Fund Class I||JCAIX||12.0%||250||0.77%|
|Janus Conservative Allocation T||JSPCX||12.0%||250||0.95%|
|JPMorgan Investor Conservative Growth Fund Select Class||ONCFX||3.0%||2,800||1.16%|
|Lord Abbett Div Income Strategy A||ISFAX||46.5%||533||1.18%|
|Lord Abbett Div Income Strategy I||ISFYX||46.5%||533||0.93%|
|Manning & Napier Pro-Blend Cnsrv Term I||MNCIX||25.0%||1,200||0.70%|
|Manning & Napier Pro-Blend Cnsrv Term S||EXDAX||25.0%||1,200||0.90%|
|Manning & Napier Pro-Blend Cnsrv Term S||EXDTZ||25.0%||1,200||0.90%|
|Manning & Napier Pro-Blend Mod Term I||MNMIX||52.0%||1,200||0.83%|
|Manning & Napier Pro-Blend Mod Term S||EXBAX||52.0%||1,200||1.08%|
|Manning & Napier Pro-Blend Mod Term S||EXBTZ||52.0%||1,200||1.08%|
|MFS Conservative Allocation Fund Class A||MACFX||12.0%||1,800||1.07%|
|MFS Diversified Income A||DIFAX||64.0%||912||1.10%|
|MFS Diversified Income I||DIFIX||64.0%||912||0.85%|
|MFS Diversified Income R3||DIFFX||64.0%||912||1.10%|
|MFS Diversified Income R4||DIFGX||64.0%||912||0.85%|
|Nationwide Inv Dest Cnsrv A||NDCAX||17.3%||406||0.74%|
|Nationwide Inv Dest Cnsrv Svc||NDCSX||17.3%||406||0.88%|
|Nationwide Inv Dest Mod Cnsrv A||NADCX||17.9%||521||0.74%|
|Nationwide Inv Dest Mod Cnsrv Svc||NSDCX||17.9%||521||0.87%|
|Nuveen Strategy Conservative Allc A||FSF1Z||34.0%||134||1.16%|
|Nuveen Strategy Conservative Allc A||FSFIX||34.0%||134||1.16%|
|Nuveen Strategy Conservative Allc I||FSFYX||34.0%||134||0.91%|
|Oppenheimer Capital Income A||OPE1Z||92.0%||1,500||0.98%|
|Oppenheimer Capital Income A||OPE2Z||92.0%||1,500||0.98%|
|Oppenheimer Capital Income A||OPPEX||92.0%||1,500||0.98%|
|Oppenheimer Conservative Inv A||OACSZ||12.0%||441||1.00%|
|Oppenheimer Conservative Inv Y||OYCIX||12.0%||441||0.69%|
|Principal Global Div Inc A||PGBAX||47.6%||3,900||1.16%|
|Principal Global Div Inc Instl||PGDIX||47.6%||3,900||0.81%|
|Principal SAM Conservative Bal R5||PCBFX||21.4%||1,000||1.21%|
|Principal SAM Flexible Income R5||PFIFX||19.6%||1,300||1.20%|
|Putnam Absolute Return 500 A||PJMDX||144.0%||803||1.17%|
|Putnam Absolute Return 500 Fund Class Y||PJMYX||144.0%||803||0.92%|
|Putnam Absolute Return 700 Fund Class Y||PDMYX||174.0%||686||1.12%|
|Putnam Dynamic Asset Allocation: Cnsrv A||PACAX||288.0%||529||1.08%|
|Putnam Dynamic Asset Allocation: Cnsrv Y||PACYX||288.0%||529||0.83%|
|Russell LifePoints Cnsrv Strat A||RCLAX||19.0%||716||1.16%|
|Russell LifePoints Cnsrv Strat E||RCLEX||19.0%||716||1.16%|
|Russell LifePoints Cnsrv Strat R1||RCLRX||19.0%||716||0.76%|
|Russell LifePoints Cnsrv Strat R2||RCLTX||19.0%||716||1.01%|
|Russell LifePoints Cnsrv Strat S||RCLSX||19.0%||716||0.91%|
|Russell LifePoints Cnsrv Strat S||RCLSZ||19.0%||716||0.91%|
|Russell LifePoints Mod Strat R1||RMLRX||15.0%||1,100||0.84%|
|Russell LifePoints Mod Strat R2||RMLTX||15.0%||1,100||1.09%|
|Russell LifePoints Mod Strat S||RMLSX||15.0%||1,100||0.99%|
|Russell LifePoints Mod Strat S||RMLSZ||15.0%||1,100||0.99%|
|Schwab MarketTrack Conservative Investor||SWCGX||30.0%||186||0.72%|
|Sentinel Conservative Strategies A||SECMX||330.0%||201||1.13%|
|Sentinel Conservative Strategies A||SECSZ||330.0%||201||1.13%|
|Sentinel Conservative Strategies Fund Class I||SCSIX||330.0%||201||1.13%|
|T. Rowe Price Personal Strat Income||PRSIX||56.3%||989||0.64%|
|Transamerica Asset Allc Cnsrv I||TACIX||29.0%||1,200||1.06%|
|Vanguard LifeStrategy Cnsrv Gr Inv||VSCGX||46.0%||6,800||0.15%|
|Vanguard LifeStrategy Income Inv||VASIX||43.0%||2,600||0.13%|
|Vanguard Tax-Managed Balanced Adm||VTMFX||12.0%||892||0.12%|
|Vanguard Wellesley Income Adm||VWIAX||48.0%||29,300||0.18%|
|Vanguard Wellesley Income Inv||VWINX||48.0%||29,300||0.25%|
|Wells Fargo Advantage Divers Inc Bldr A||EKSAX||65.0%||352||1.08%|
|Wells Fargo Advantage Divers Inc Bldr I||EKSYX||65.0%||352||0.70%|
|Wells Fargo Advantage Mod Balanced A||WFMAX||70.0%||186||1.15%|
|Wells Fargo Advantage Mod Balanced Adm||NVMBX||70.0%||186||0.90%|
|Westwood Income Opportunity A||WWIAX||26.0%||715||1.17%|
|Westwood Income Opportunity Instl||WHGIX||26.0%||715||0.92%|
Turnover represents how much of a mutual fund's holdings are changed over the course of a year through buying and selling. Active mutual funds have an average turnover rate of about 85%, meaning that funds are turning over nearly all of their holdings every year. A high turnover means you could make lower returns because: 1) buying and selling stocks costs money through commissions and spreads and 2) the fund will distribute yearly capital gains which increases your taxes. Look for funds with turnover rates below 50%. For comparison, ETF turnover rates average around 10% or lower.
Generally, smaller funds do better than larger ones. The more assets in a mutual fund, the lower the chance that it will beat its index. Managers outperform an index by choosing stocks that are undervalued. In order to find these undervalued stocks, the manager has to know more than his competitors to develop an "edge." There are only a finite number of stocks a mutual fund manager can reasonably analyze and actively track to gain such a competitive edge. When the fund has more assets, the manager must analyze large companies because he needs to take larger positions. Large companies are more efficiently priced in the market and it becomes increasingly difficult to get an edge.
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